What is in a property valuation report?

Start with purpose, recipient and valuation date

A valuation report records an opinion within a defined assignment. Its usefulness depends on the purpose, property, valuation date, recipient and conditions for use.

At a glance: read what decision the report was prepared for first. Then check the value, date, property description, assumptions, limitations and any validation.

For financing, the lender and NHG can set additional conditions. The current NHG information about property valuations describes physical, model-based and hybrid formats. Ask the receiving party to confirm what applies to your application.

Check the fixed parts

Value and date

Record the value concept and the date to which the conclusion relates. An amount without a valuation date cannot be compared reliably with a current offer or financing condition.

Property and interest

Check the address, property type, floor area, apartment ownership, leasehold and the interest being valued. An error in this foundation can create a follow-up question.

Evidence

Look at the documents, inspection findings, market data and comparable properties used. Check how differences and missing material are described.

Assumptions, limits and validation

A report can state conditions and uncertainty. Read that wording in full. Ask who validates the report, which age limit is applied and whether the recipient carries out another review.

Amsterdam details that can need clarification

Leasehold, the deed of division, owners’ association decisions, permits, foundation information, energy measures and renovations can clarify the property context. Each subject has to be considered within the assignment. These details can determine which documents the valuer needs and which assumptions belong in the report.

If information is missing, ask what it means for the assignment. Do not fill a technical or legal gap from an online summary.

When should you ask for an explanation?

Ask for clarification when the report date does not fit the application, the property differs from the purchase documents, a material assumption is unclear or the recipient names an extra condition. Keep the questions grouped by section so the valuer or adviser can answer them precisely.

Read the practical guide to mortgage valuation, review the comparison criteria and place cost considerations alongside the assignment.